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    Better benefits for public sector employees.

    The Difference Card has a long-standing relationship working with public sector clients, such as townships, cities, boroughs, and government entities. We partner with public sector clients to create better health benefits that fit under state sponsored health plans.

    We help them create the BEST employee benefit plans, while often saving the organization hundreds of thousands of dollars.

    The Difference Card has saved public sector clients over $78 MILLION in healthcare expenses.

    The average public sector client sees about 17.4% in savings annually, or around $3,863 per employee per year.

    Download our Public Sector Savings Stats

    See The Success

    Chris Calderone

    Lower premiums. Better benefits. No compromise. Chris Calderone explains how The Difference Card helped clients cut premiums by 25% — all while maintaining or even improving employee benefits. It’s not just about saving money — it’s about delivering more value.

    See The Success

    Meghan Presutti

    Meghan Presutti shares how The Difference Card supported a public entity in transforming their benefits — delivering cost savings without disruption.  With the difference card, clients experience a seamless enrollment process and an easy transition that kept employees confident and covered.

    See The Success

    Chris Calderone

    Lower premiums. Better benefits. No compromise. Chris Calderone explains how The Difference Card helped clients cut premiums by 25% — all while maintaining or even improving employee benefits. It’s not just about saving money — it’s about delivering more value.

    See The Success

    Meghan Presutti

    Meghan Presutti shares how The Difference Card supported a public entity in transforming their benefits — delivering cost savings without disruption.  With the difference card, clients experience a seamless enrollment process and an easy transition that kept employees confident and covered.

    : "Chris Calderone"
    : "Meghan Presutti"

    What could your public sector client do with an extra $409,000 in savings?

    We are proud of the $409,000 we have saved EACH public sector client on average.

    $409,000 could provide a Municipal government with:

    PUBLIC SECTOR CLIENTS SAVINGS PROVIDED BY THE DIFFERENCE CARD
    Total savings $78,665,813
    Average annual savings per organization $409,717
    Average savings per employee per year $3,863.74
    Average percent of savings per employee per year 17.4%

     

    The Borough of Dunellen finds a way save on healthcare with The Difference Card

    The Borough of Dunellen has partnered with The Difference Card to maintain a healthcare plan with robust benefits without increasing employee contributions or reducing the benefit package.

    This borough is expected to save between $65,000 and $131,000 in their first year. Long-term savings are expected to reach up to $785,000 over the next five years.

    Click here to read the full article here in NJ Cops Magazine.

    View of the Illinois State Capitol Building in Springfield, Illinois, USA

    How we saved a municipality $1.4 MILLION in healthcare spend

    In the first year of using The Difference Card, this municipality saved $1,480,658 off their health insurance costs.

    By utilizing The Difference Guarantee insurance policy, the municipality was able to see a 30% reduction in their fixed insurance premiums for the 2023-2024 plan year.

    They expect to continue to see savings with The Difference Card for their 317 enrolled employees for the upcoming plan year.

    Read more about it

    Judge and man reviewing a contract agreement together

    Public sector health insurance plans have the highest average total premium cost per employee at 18.5% higher than the average group health plan. – UBA Benefits

    How New Jersey Municipalities are using The Difference Card to save on healthcare

    New Jersey townships and boroughs are saving money while staying on their state health plan benefits.

    The Difference Card Strategy is saving New Jersey public entities an average of 24% off their health insurance.

    In New Jersey, most public entities opt for one of three plans options that are significantly higher than the national average:

    • The Direct $10 Plan
    • The Direct $15 Plan
    • The Direct $20/$30 Plan

    The Difference Card utilizes the more cost-effective NJ Direct $20 / $35 Plan, reducing the fixed monthly health insurance premium paid to the carrier.

    Compared to the Direct $10 plan, there is -24% savings in fixed premiums.

    Download the New Jersey Savings Flyer

    Interested in how The Difference Card could work for your Public Sector Client?

    The Difference Card offers public sector groups an alternative to expensive State Health Benefit Plans through our unique benefit plan designs.

    Discover how The Difference Card can help today!

    Request a Proposal

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